Articles & guides
Plain-English explainers on the ideas behind the tools — finance, health and everyday numbers.
Everyday · 4 min
Metric vs imperial: converting without errors
Why the two systems cause so many slip-ups, and the conversions worth memorising.
Everyday · 4 min
Markup vs margin: the pricing mistake
Why a 50% markup is only a 33% margin — and how to stop it eroding profit.
Everyday · 4 min
Percentages made simple
The three questions percentages answer, and a trick that makes them effortless.
Health · 4 min
Heart-rate zones: training by the numbers
What each zone does, why most training should be easy, and how to find yours.
Health · 5 min
How many calories you actually need
What TDEE means, how activity multiplies it, and how to turn it into a goal.
Finance · 4 min
VAT explained: adding it vs removing it
Why you divide rather than subtract to strip VAT out of a gross price.
Finance · 5 min
How income tax bands really work
Why a pay rise always leaves you better off, and what your effective rate is.
Finance · 5 min
Compound interest: why time beats timing
How compounding works, and why starting early beats saving more later.
Health · 4 min
How to read your BMI correctly
Why BMI is a useful starting point — not a verdict — and what to check alongside it.
Finance · 5 min
Understanding loan amortisation
Where every repayment actually goes, and how to pay less interest overall.
Finance · 6 min
A plain-English guide to mortgages
Repayment vs interest-only, fixed vs variable, and the real cost of buying a home.
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